| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC | P.O. BOX 4058 SEGAL GROUP CHURCH STREET STATION NEW YORK, NY 102614058 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC | P.O. BOX 4058 SEGAL GROUP CHURCH STREET STATION NEW YORK, NY 102614058 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC. EIN 23-7391136 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $12.1M |
| DELTA DENTAL OF NEW YORK EIN 11-1980218 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $608K |
| THE SEGAL COMPANY INC. EIN 13-1835864 NONE | Actuarial; Direct payment from the plan; Insurance brokerage commissions and fees; Consulting (general) Service code 11 | — | $380K |
| PROSKAUER ROSE LLP EIN 13-1840454 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $284K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Custodial (securities); Investment management fees paid directly by plan; Soft dollars commissions; Custodial (other than securities) Service code 18 | — | $214K |
| SPIVAK LIPTON LLP EIN 13-3494495 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $198K |
| KELLY PRESS INC EIN 52-0975591 PRINTER & COPIER | Copying and duplicating; Direct payment from the plan Service code 36 | — | $188K |
| TRIPLE S SALUD INC. EIN 66-0555677 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $181K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Custodial (securities); Other commissions; Direct payment from the plan Service code 19 | — | $137K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $107K |
| MEKETA INVESTMENT GROUP INC. EIN 04-2659023 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $39K |
| SYNTONIC SYSTEMS INC. EIN 13-2925049 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $12K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 28,806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,001 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 30,807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 415 | $37K |
| Vision | DAVIS VISION, INC. | 38,574 | $530K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 21,465 | $658K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 580 | $38K |
| Prescription drug | TRIPLE S SALUD, INC. | 415 | $37K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC | 29,724 | $4.4M |
| Other | TRIPLE S SALUD, INC. | 415 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,574 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.